Lemon Grove Insurance Rates:

Lemon Grove, CA homeowners insurance is approximately $522 to $709, about $43-$59/month. Our thorough research reveals consumers can save upto $246 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
The website is easy to use to view policies, make payments, and make updates. everything conveniently laid out and user-friendly.
Travelers
If i forget my login or password it can be frustrating to retrieve it or reset it to a new one.
State Farm
The state farm insurance company is cheapest cost than other company when your purchase the insurance in the first time.
Allstate
Any questions I have are answered quickly and thoroughly by anyone at my particular branch. They are kind and courteous and I appreciate all their help.
Liberty Mutual
communicate the insurance services is good. any doubt clear to all time. so I am satisfied the company
Geico
My agent is always very helpful, my only problem is that sometimes they are super busy and it can take a while to get a response. I have had to deal with the company itself on a couple of auto claims and have always found them to be very responsive.

Lemon Grove, CA Homeowners Insurance By Home Value

Lemon Grove, CA Home Value Total Homes % of Total Average Lemon Grove, CA Homeowners Insurance
Less than $50,000 118 3.0% $49
$80,000 to $89,999 40 1.0% $172
$100,000 to $124,999 99 2.0% $221
$125,000 to $149,999 50 1.0% $276
$150,000 to $174,999 147 3.0% $332
$175,000 to $199,999 84 2.0% $381
$200,000 to $249,999 641 16.0% $461
$250,000 to $299,999 1,110 28.0% $559
$300,000 to $399,999 1,551 40.0% $713

Top Home Insurance Agents Near Lemon Grove, CA

Home Insurance Company Near Lemon Grove, CA Homeowners Insurance Agency Near Lemon Grove, CA Address
Allstate Brian Konishi 1400 E Plaza Blvd Ste B, National City, CA, 91950
State Farm John Crawford 7061 Clrmt Msa Blvd Ste 217, San Diego, CA, 92111-1043
State Farm R J Blake 1040 University Ave Ste B201, San Diego, CA, 92103-3364
State Farm Steve Lyons 4005 Governor Dr, San Diego, CA, 92122-2522
State Farm Tim Giblin 133 S Esc Blvd, Escondido, CA, 92025-4114

Cost Of Homeowners Insurance By Street Near Lemon Grove, CA

Streets in Lemon Grove Area Homeowners Insurance Cost
Dinovo St, Bittern St, Cameron Dr, Primera St, Burnell Ave, Green Lake Ct, Davidson Ave, Hagmann St, Tracy St, Biloxi St$614
Charlene Ave, Scimitar Dr, Mazer St, Myra St, Laddeck Ct, Plover St, Flicker St, Chatswood Dr, Shirley Ln, Lincoln Pl$620
Bates St, Sunset Ter, Hawkins Pl, Drexel Ln, Bancroft View Dr, Alford St, Sandy Bev Ln, Watwood Rd, Tarbox St, Country Club Pl$622
Brackton Dr, Corona St, Chateau Way, Dain Ct, Costada Ct, Golden Ave, Jadam Way, Michael St, Solana St, Jill Ln$622
Blossom Way, Hershey St, Trophy Dr, Rainbow St, Deville Dr, Bass St, Bakersfield St, Gayle St, Wren St, Alicia Ln$614

Lemon Grove, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lemon Grove$92 to $94
La Presa$91
La Mesa$94
Spring Valley$93

Lemon Grove, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
La Presa CDP, California $77 $102 $153
La Mesa city, California $78 $104 $156
Spring Valley CDP (San Diego County), California $78 $103 $155

Lemon Grove, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Lemon Grove, CA2.5%15.1%
La Presa2.64%14.19%
La Mesa2.4%12.32%
Spring Valley2.39%13.53%

Lemon Grove Renters Insurance as a Percentage of Rent

Lemon Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 75 2.0% $791
$300 to $499 89 2.0% $1241
$500 to $749 216 6.0% $1916
$750 to $999 990 27.0% $2666
$1,000 to $1,499 1,455 40.0% $3791
$1,500 or more 772 21.0% $5441

Average Cost Of Home Insurance By Company In Areas Nearby Lemon Grove For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCalifornia Capital328
200000500NewFarmers (Fire Ins)697
200000500NewTokio Marine America427
2500001000NewCalifornia Capital361
250000500NewAmco559
300000500NewCalifornia Casualty605
4000001000NewCalifornia Casualty617
5000001000NewAAA (Interinsurance Exchange)690
5000001000NewLiberty Ins Corp813
5000002500NewGrange802
5000002500NewUnigard Group774
1500005001-3 YearsPacific Specialty482
2000005001-3 YearsGeneral Ins339
40000010001-3 YearsCSE Safeguard759
40000010001-3 YearsForemost Insurance1455
40000010001-3 YearsGrange847
40000010001-3 YearsStillwater Ins Co905
40000010001-3 YearsUniversal North America617
75000025001-3 YearsUniversal North America922
1500002504-6 YearsTokio Marine America371
1500005004-6 YearsAmerican Reliable444
2000005004-6 YearsCalifornia Capital434

Lemon Grove, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Lemon Grove Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Lemon Grove Home Owner from High Deductible Plan $600

Lemon Grove, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lemon Grove, CA Home Replacement Value MORE than Home Value Lemon Grove, CA Home Replacement Value LESS than Home Value
Replacement Value $404,000 $265,000
Insurance Premium based on Replacement Value $975 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $74,500 Risk Exposure from Under Insuring Coverage is $64,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $200/year

Example Lemon Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyTravelersLiberty Mutual
Monthly Premium 1628279
Year Built 199220051984
Home Details 5 Beds, 3 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000$250000-$300000$350000-$400000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Lemon Grove, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2009 415,000 Membrane Roof 3,320 4 $500 Deductible 560 5 Stucco siding No
1963 380,000 Asphalt Shingles Roof 2,570 4 $500- $1000 Deductible 230 3 Wood siding No
1973 225,000 Composition Roof 1,660 3 $500 Deductible 290 6 Brick siding yes
1962 280,000 Wood Shake Roof 1,830 3 $1000-$2500 Deductible 720 12 Stucco siding No
1981 175,000 Asphalt Shingles Roof 1,260 3 $1000-$2500 Deductible 380 12 Brick siding yes
1960 320,000 Composition Roof 2,360 3 $2500-$5000 Deductible 740 12 Brick siding yes
1989 155,000 Wood Shake Roof 900 2 $500 Deductible 260 7 Wood siding No
1969 240,000 Membrane Roof 1,570 2 $1000-$2500 Deductible 440 9 Fiber-Cement Siding No
1981 695,000 Wood Shake Roof 4,910 5 > $10,000 Deductible 80 1 Stone Siding yes
2003 290,000 Asphalt Shingles Roof 1,660 2 $2500-$5000 Deductible 280 5 Brick siding No
2006 495,000 Membrane Roof 3,820 5 $500- $1000 Deductible 1240 12 Wood siding yes
1991 225,000 Shingles Roof 1,510 3 $500- $1000 Deductible 40 1 Stone Siding yes
1970 670,000 Shingles Roof 4,090 5 > $10,000 Deductible 490 6 Stucco siding No
1986 300,000 Membrane Roof 1,770 2 > $10,000 Deductible 420 10 Brick siding yes
1970 235,000 Membrane Roof 1,390 2 $2500-$5000 Deductible 90 2 Stone Siding No
1966 225,000 Tile Roof 1,360 3 $1000-$2500 Deductible 410 12 Stucco siding No
1986 155,000 Composition Roof 1,240 3 $500 Deductible 100 3 Stone Siding yes
1974 135,000 Tile Roof 1,060 2 $1000-$2500 Deductible 350 12 Stucco siding No